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Old 12-22-2004, 04:27 PM   #1
Briman2021
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Default Take off your license plate when you go to the track!

I just read this on another board, but apparently geico is sending people to take pics of cars that are racing at drag strips, and then they drop your insurance. It works the same way as the Mitsubishi EVO warranty voiding thing.

http://www.racersden.net/forum/showt...7&page=1&pp=20
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Old 12-22-2004, 04:31 PM   #2
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Who cares, as long as their pricing still stays lower then everyone elses.
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Old 12-22-2004, 04:47 PM   #3
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Quote:
Originally Posted by ZMANNH25rs
Who cares, as long as their pricing still stays lower then everyone elses.
"lower" = like $4k/6 mo for me...
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Old 12-22-2004, 04:48 PM   #4
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But the Gecko does the Robot!
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Old 12-22-2004, 04:51 PM   #5
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Geiko asks for your plate # for insurance. I'm calling BS
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Old 12-22-2004, 04:53 PM   #6
ZMANNH25rs
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Quote:
Originally Posted by ydant
"lower" = like $4k/6 mo for me...

Geico saved me and my wife over $2000 a year in insurance once we got married and combined policies.

Who did you end up with for insurance that Geico was the much more exspensive ?
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Old 12-22-2004, 04:57 PM   #7
ydant
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State Farm. It's a little over $1k/6mo for the same coverage parameters...
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Old 12-22-2004, 05:02 PM   #8
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Yeah, Geico quoted me $3k/year, I pay $1500/year with AAA.
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Old 12-22-2004, 05:02 PM   #9
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Quote:
Originally Posted by Hawkeye
Geiko asks for your plate # for insurance. I'm calling BS

I think your missing the OP's point... of course they ask for plate # to make sure you have current registration on the car...

by "racing" you may be voiding a EULA for geicos contracts...and if you crash at the track and submit the claim they probably wouldnt like that.. therefore they send some people out to see if their customers are racing...
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Old 12-22-2004, 05:02 PM   #10
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This is a huge internet rumor, spread by idiots dumb enough to believe it.
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Old 12-22-2004, 05:06 PM   #11
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Quote:
Originally Posted by Davenow
This is a huge internet rumor, spread by idiots dumb enough to believe it.

we know it happens for warranty claims by OEM's why is it such a stretch to think that insurance companies arent doing the same thing?
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Old 12-22-2004, 05:25 PM   #12
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Quote:
Originally Posted by WRX300
we know it happens for warranty claims by OEM's why is it such a stretch to think that insurance companies arent doing the same thing?
Because tracking a street car is outside the scope of the vehicle's intended use, if I warrantied cars, I'd like to know if the car was tracked. OTOH, I'd be surprised if any actuaries indicated that people who have track time are more likely to make a claim. But, to quote our President, "I am not an actuary".

People filing claims for accidents they have on the track is fraud. Fraud IS something insurance companies are very concerned with.
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Old 12-22-2004, 05:26 PM   #13
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Quote:
Originally Posted by WRX300
I think your missing the OP's point... of course they ask for plate # to make sure you have current registration on the car...

by "racing" you may be voiding a EULA for geicos contracts...and if you crash at the track and submit the claim they probably wouldnt like that.. therefore they send some people out to see if their customers are racing...

Well since I am an insurance agent representing 10 different insurance companys and have about 100 million in written premium I think I would know at least one of my clients plate numbers.


I don't, we don't collect them. Neither do any of our companies nor do our competitors. That I know of.

Now if you told me they were checking VIN's I may see that. However if I was at the track and someone was snooping around my car like that I may be inclined to kick some a$$
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Old 12-22-2004, 05:31 PM   #14
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Huh.

Why do you make a point of saying that Geico collects the license plate numbers:

Quote:
Originally Posted by Hawkeye
Geiko asks for your plate # for insurance. I'm calling BS
And then make a point of saying that they don't collect them?

Quote:
Originally Posted by Hawkeye
I don't, we don't collect them [license plate numbers]. Neither do any of our companies nor do our competitors. That I know of.
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Old 12-22-2004, 05:35 PM   #15
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Quote:
Originally Posted by Hawkeye
Well since I am an insurance agent representing 10 different insurance companys and have about 100 million in written premium I think I would know at least one of my clients plate numbers.


I don't, we don't collect them. Neither do any of our companies nor do our competitors. That I know of.

Now if you told me they were checking VIN's I may see that. However if I was at the track and someone was snooping around my car like that I may be inclined to kick some a$$

ok then I guess I have insurance from one of the 10 companies you dont do... I needed plate # and VIN for my car, everyone ive bought... and its a good ins company - USAA

even got my 6mos dividend check of $107!!!!! from them yesterday

yup my insurance company pays me - gotta love that
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Old 12-22-2004, 05:43 PM   #16
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Quote:
Originally Posted by ydant
Huh.

Why do you make a point of saying that Geico collects the license plate numbers:



And then make a point of saying that they don't collect them?

Geico is a direct writer I don't do business with them. Actually I have 5 clients that are sueing them right now because they are refusing to pay claims in rearend collisions.

You get what you pay for. Remember that when you have a claim.

"Hi, this is billy bob auto repair, a Subaru, is that the same as Suzuki?"
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Old 12-22-2004, 05:58 PM   #17
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Quote:
Originally Posted by WRX300
ok then I guess I have insurance from one of the 10 companies you dont do... I needed plate # and VIN for my car, everyone ive bought... and its a good ins company - USAA

even got my 6mos dividend check of $107!!!!! from them yesterday

yup my insurance company pays me - gotta love that
He couldn't represent USAA actually. They are their own little kingdom. And boy do they rock! Always fast and polite, plus I got my dividend check last week. ~$50 cuz MA huffs a huge dong.
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Old 12-22-2004, 06:00 PM   #18
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Quote:
Originally Posted by Hawkeye
Geico is a direct writer I don't do business with them. Actually I have 5 clients that are sueing them right now because they are refusing to pay claims in rearend collisions.
I had to sue AAA when one of their insured rear ended me. Insurance companies just don't like to pay, period.
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Old 12-22-2004, 06:22 PM   #19
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I can honestly say I have never had one complaint of a company not paying on a rearender.

discount and high risk insurers do that crap. Real good companies pay their claims because it is cheaper in the long run to just pay instead of fighting it out in court or arbitration.
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Old 12-22-2004, 06:33 PM   #20
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I can't believe geico is doing this. Why wouldn't they wait until you have a claim and then show you the evidence, and refuse to pay. That way they can collect extra $$$$s.
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Old 12-22-2004, 06:39 PM   #21
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Quote:
Originally Posted by WRX300
ok then I guess I have insurance from one of the 10 companies you dont do... I needed plate # and VIN for my car, everyone ive bought... and its a good ins company - USAA

even got my 6mos dividend check of $107!!!!! from them yesterday

yup my insurance company pays me - gotta love that
USAA does not record plate number...at least in Wisconsin or Michigan.
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Old 12-22-2004, 06:55 PM   #22
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It doesn't matter whether your ins. co. has your plate # upfront or not because they can easily look it up and see who owns the car.
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Old 12-22-2004, 07:00 PM   #23
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Another good point, since insurance companies have access to most DMV data.

However, I really doubt Geico is sending people to tracks trying to drop that 1 in a 1000 customer for racing.
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Old 12-22-2004, 07:02 PM   #24
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Quote:
Originally Posted by beethoven
Another good point, since insurance companies have access to most DMV data.

However, I really doubt Geico is sending people to tracks trying to drop that 1 in a 1000 customer for racing.
The odds to consider are different than that, though. If they go to the track and see 20 people running and their market share is 20% (just random number) that's 4 in 20 they drop.
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Old 12-22-2004, 07:11 PM   #25
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Quote:
Originally Posted by ydant
The odds to consider are different than that, though. If they go to the track and see 20 people running and their market share is 20% (just random number) that's 4 in 20 they drop.
Think about that. They'd need to have proof, first off. So say they start taking pictures. They'd need to do that for every car, gathering that information into a database that they would search to find out which people are using their insurance. How long do you think it'd be before one particular track that this occurred at, would post a sign, advising it's customers about the business practices of a particular insurance company. Not long at all.

It's just not a practical thing for them to do. I doubt they go through this much trouble to find out who's going to a local drag strip. It would just generate too much negative publicity. If this rumor was true, we'd have some real evidence, linking this story to a particular area or specific drag strip where it occurred.
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